Hyundai Sonata Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Mar 31, 2024
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How much does a Hyundai Sonata cost to insure? The average annual cost for Hyundai Sonata insurance is $1,426 a year, or $118 a month. Read our guide to learn what drivers can do to save on Hyundai Sonatas, whether its 2016 or 2015 Hyundai Sonata insurance rates.
Enter your ZIP code in our free tool above to get started on finding the best Hyundai Sonata insurance costs.
Average insurance rates for a Hyundai Sonata are $1,404 a year for full coverage. Comprehensive costs around $260, collision insurance costs $494, and liability is estimated at $470. A policy with just liability insurance costs approximately $536 a year, and coverage for high-risk drivers costs around $3,046. Teen drivers receive the highest rates at up to $5,394 a year.
Average premium for full coverage: $1,404
Rate estimates for individual coverage type:
These estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and for all Sonata models.
Price Range by Coverage and Risk
For the average 40-year-old driver, prices range range from as low as $536 for the bare minimum liability coverage to the much higher price of $3,046 for a driver who has had serious violations or accidents.
Price Range by Location
Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas. The example below illustrates the difference location can make on auto insurance rates.
These examples show why everyone should get quotes for a specific zip code and risk profile, instead of using price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Information
The chart below shows average Hyundai Sonata insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $817
- Choosing higher $1,000 deductibles can save about $170 a year
- The average rate for a 40-year-old driver using $500 deductibles is $1,404
- Choosing pricier low deductibles for comp and collision coverage will increase the cost to $1,738
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $3,046
- The cost for full coverage for a teen driver for full coverage can be $5,394 each year
Insurance rates for a Hyundai Sonata can also vary considerably based on your driver profile, the trim level of your Sonata, and deductibles and policy limits.
A more mature driver with no violations or accidents and high deductibles may pay as little as $1,300 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay as much as $5,300 a year. View Rates by Age
Where you live plays a big part in determining prices for Hyundai Sonata insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Idaho, Maine, and Iowa, or as much as $2,000 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,266 | -$138 | -9.8% |
| Alaska | $1,078 | -$326 | -23.2% |
| Arizona | $1,166 | -$238 | -17.0% |
| Arkansas | $1,404 | -$0 | 0.0% |
| California | $1,600 | $196 | 14.0% |
| Colorado | $1,340 | -$64 | -4.6% |
| Connecticut | $1,444 | $40 | 2.8% |
| Delaware | $1,590 | $186 | 13.2% |
| Florida | $1,756 | $352 | 25.1% |
| Georgia | $1,296 | -$108 | -7.7% |
| Hawaii | $1,008 | -$396 | -28.2% |
| Idaho | $952 | -$452 | -32.2% |
| Illinois | $1,044 | -$360 | -25.6% |
| Indiana | $1,058 | -$346 | -24.6% |
| Iowa | $948 | -$456 | -32.5% |
| Kansas | $1,332 | -$72 | -5.1% |
| Kentucky | $1,914 | $510 | 36.3% |
| Louisiana | $2,078 | $674 | 48.0% |
| Maine | $868 | -$536 | -38.2% |
| Maryland | $1,158 | -$246 | -17.5% |
| Massachusetts | $1,122 | -$282 | -20.1% |
| Michigan | $2,436 | $1,032 | 73.5% |
| Minnesota | $1,176 | -$228 | -16.2% |
| Mississippi | $1,684 | $280 | 19.9% |
| Missouri | $1,246 | -$158 | -11.3% |
| Montana | $1,510 | $106 | 7.5% |
| Nebraska | $1,106 | -$298 | -21.2% |
| Nevada | $1,686 | $282 | 20.1% |
| New Hampshire | $1,012 | -$392 | -27.9% |
| New Jersey | $1,570 | $166 | 11.8% |
| New Mexico | $1,242 | -$162 | -11.5% |
| New York | $1,480 | $76 | 5.4% |
| North Carolina | $808 | -$596 | -42.5% |
| North Dakota | $1,148 | -$256 | -18.2% |
| Ohio | $970 | -$434 | -30.9% |
| Oklahoma | $1,440 | $36 | 2.6% |
| Oregon | $1,286 | -$118 | -8.4% |
| Pennsylvania | $1,338 | -$66 | -4.7% |
| Rhode Island | $1,874 | $470 | 33.5% |
| South Carolina | $1,274 | -$130 | -9.3% |
| South Dakota | $1,186 | -$218 | -15.5% |
| Tennessee | $1,228 | -$176 | -12.5% |
| Texas | $1,692 | $288 | 20.5% |
| Utah | $1,038 | -$366 | -26.1% |
| Vermont | $962 | -$442 | -31.5% |
| Virginia | $840 | -$564 | -40.2% |
| Washington | $1,082 | -$322 | -22.9% |
| West Virginia | $1,288 | -$116 | -8.3% |
| Wisconsin | $972 | -$432 | -30.8% |
| Wyoming | $1,250 | -$154 | -11.0% |
Choosing high deductibles can save as much as $510 every year, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $423 more each year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you could be paying at least $1,700 to $2,300 additional per year, depending on your age. Hyundai Sonata insurance for high-risk drivers ranges as much as 43% to 135% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,364 | $114 |
| Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
| Hyundai Sonata SE 4-Dr Sedan | $1,446 | $121 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,486 | $124 |
Rates assume 2023 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Hyundai Sonata | $270 | $506 | $450 | $1,406 |
| 2023 Hyundai Sonata | $260 | $494 | $470 | $1,404 |
| 2022 Hyundai Sonata | $250 | $474 | $486 | $1,390 |
| 2021 Hyundai Sonata | $238 | $458 | $500 | $1,376 |
| 2020 Hyundai Sonata | $228 | $424 | $510 | $1,342 |
| 2019 Hyundai Sonata | $218 | $400 | $514 | $1,312 |
| 2018 Hyundai Sonata | $210 | $358 | $520 | $1,268 |
| 2017 Hyundai Sonata | $196 | $330 | $520 | $1,226 |
| 2016 Hyundai Sonata | $190 | $310 | $524 | $1,204 |
| 2015 Hyundai Sonata | $184 | $288 | $534 | $1,186 |
| 2014 Hyundai Sonata | $172 | $268 | $534 | $1,154 |
| 2013 Hyundai Sonata | $166 | $244 | $540 | $1,130 |
| 2012 Hyundai Sonata | $156 | $222 | $534 | $1,092 |
| 2011 Hyundai Sonata | $146 | $202 | $534 | $1,062 |
| 2010 Hyundai Sonata | $142 | $182 | $530 | $1,034 |
| 2009 Hyundai Sonata | $140 | $178 | $520 | $1,018 |
| 2008 Hyundai Sonata | $136 | $168 | $510 | $994 |
| 2007 Hyundai Sonata | $126 | $160 | $504 | $970 |
| 2006 Hyundai Sonata | $120 | $152 | $500 | $952 |
Rates are averaged for all Hyundai Sonata models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Cheap Hyundai Sonata Insurance
Saving money on car insurance takes not taking risks behind the wheel, having a good credit history, eliminating unneeded coverage, and deciding if full coverage is necessary. Make time to compare rates every other policy renewal by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.
The following is a brief summary of the ideas that were touched on in this article.
- Teens are charged the highest rates, costing as high as $450 per month including comprehensive and collision insurance
- Higher risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,640 more every year for Sonata insurance
- Increasing deductibles can save around $500 each year
- Drivers can save up to $170 per year just by quoting online well ahead of the renewal date
Quotes will help you save on Hyundai Sonatas, regardless of whether you’re searching for 2012, 2009, or 2006 Hyundai Sonata trim levels or the cheapest Hyundai 2016 rates.
To find out what is the insurance cost of a Hyundai Sonata, enter your ZIP code in our free tool below.
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What are the safety ratings of the Hyundai Sonata?
The Hyundai Sonata has some great safety features that can help reduce rates, such as brake assist, electronic stability control, traction control, lane departure warning, and lane-keeping assist. However, Hyundai Sonatas that are old may not have as many safety features.
The Insurance Institute for Highway Safety (IIHS) gave the Hyundai Sonata a 2020 Top Safety Pick award for its crash test ratings (below).
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the highest rating. The video below shows how the IIHS tested the Hyundai Sonata.
Hyundai Sonata Compared Against Other Vehicles in the Same Class
How much for a Hyundai Sonata liability insurance plan? This will partly depend on the liability insurance losses. The Hyundai Sonata is a midsize car, and the IIHS found that in comparison to other midsize cars, the Hyundai Sonata’s liability losses are substantially worse than average.
To understand just how much Hyundai Sonata’s insurance rates differ from other midsize car’s rates, take a look at the midsize cars below.
Frequently Asked Questions
- Are Hyundai Sonata expensive to repair? According to RepairPal, “The average total annual cost for repairs and maintenance on a Hyundai Sonata is $458, compared to an average of $526 for midsize cars and $652 for all vehicle models.”
- How much is a fully loaded Hyundai Sonata? It would cost you $33,300.
Remember to shop around for Hyundai Sonata insurance rates to save on everything from Hyundai Sonata costs for a 2015 model to Hyundai gap claims. Enter your ZIP code in our free tool to get started.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,394 |
| 20 | $3,258 |
| 30 | $1,454 |
| 40 | $1,404 |
| 50 | $1,284 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,738 |
| $250 | $1,584 |
| $500 | $1,404 |
| $1,000 | $1,234 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,404 |
| 50/100 | $1,580 |
| 100/300 | $1,698 |
| 250/500 | $2,003 |
| 100 CSL | $1,627 |
| 300 CSL | $1,886 |
| 500 CSL | $2,074 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,672 |
| 20 | $5,188 |
| 30 | $3,102 |
| 40 | $3,046 |
| 50 | $2,910 |
| 60 | $2,884 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $61 |
| Advance Quote | $68 |
| Online Quote | $98 |
| Total Discounts | $587 |
Discounts are estimated and may not be available from every company or in every state.
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